Planning layers
Protect · Liquidity · Succession
Cross-border planning is not a “fly and buy” slogan: currency, compliant signing paths, governing law and disclosure are meeting-grade questions. Frameworks only—no evasion how-tos.
Disclosure has no border: Mainland records can be material facts. Non-HK tax residents need independent tax advice on investment returns. Read VHIS eligibility, medical geography and Flexi “extra layer” limits separately.
Key questions to ask
- Do premium, policy and household currencies align—who bears FX shock?
- Are sale and signing on a compliant path—and can you take documents away?
- Governing law, dispute forum, and translation authority?
- Are health disclosures and important-facts statements complete in writing?
Common tool types (catalogue-level)
- Cross-border checklist questions
- Currency & cash-flow map
- Jurisdiction & complaint paths
Compliance & boundaries
- Cross-border arrangements touch FX, tax and law—education questions only. Verify with licensed intermediaries and advisers; do not rely on off-book policy paths.